Justin Czerwinski
Justin reminds clients that an advisor’s value is best measured by his or her ability to customize a realistic strategy for each client and keeping that client disciplined in following it. Urging clients to avoid what he calls “debt to impress,” Justin points out the importance of participating in the economy – becoming owners and not merely consumers. He adds that feeling safe often means missed opportunities and that financial success needs to involve some risk.
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*Extel, formerly Institutional Investor Research, announced BofA Global Research as one of the Top Global Research Firms in 2024 based on surveys held throughout the year. Extel creates rankings of the top research analysts in a wide variety of specializations, drawn from the choices of portfolio managers and other investment professionals. The 2024 Global Research Leaders ranking lists sell-side research providers by the combined total number of positions earned across Extel’s 2024 research team surveys. Results of each survey are published separately throughout the year, beginning in March 2024 with the Japan Research Team and concluding in December 2024 with the Global Fixed Income Research Team. Rankings for each poll are determined strictly by using numerical scores. Extel takes the number of votes awarded to each firm in a sector and weight it in relation to the size of the institution responding and rating it awarded. Firms are designated runners-up when their scores fall within 35 percent of the third-place scores. BofA Global Research is research produced by BofA Securities, Inc (“BofAS”) and/or one or more of its affiliates. BofAS is a registered broker-dealer, Member SIPC, and wholly owned subsidiary of Bank of America Corporation. Rankings and recognition from Extel are no guarantee of future investment success and do not ensure that a current or prospective client will experience a higher level of performance results and such rankings should not be construed as an endorsement.
Whether he serves clients or the community, Justin adheres to the code of the U.S. Marine Corps – treating others unselfishly, doing what is morally right, and holding himself to a higher standard. Justin recently launched Redefining Warrior Culture – to help fill the gap between veterans service time and transitioning back to civilian life.
Justin is a native of Wilmington and currently resides in Avondale, Pennsylvania with his wife, Ashley, and their two young children. When not spending time with family, Justin struggles to improve his golf game.
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The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.
